High Court of Punjab and HaryanaFAO/3596/2017dismissed

New India Assurance Co Ltd v. Veena Devi & ORS

2022-12-07Mr. Justice Harminder Singh Madaan11 pages

!"#$%& &&&""''% ( )!%&(*+ %, &&&-" %

)!%&(*+ %, &&&""''% ( (.

!)/, %, &&&-" % *% 0* 1

%1 &2 "3 #'4+ % %,""''%

" % &

& &3

!%5

4+ %0

&-6,* ,4+ % %,""''%

" % &

%, !% %,""' % 4%,! '' '# 0 # 0'/ 0%,""''# 0

#0'/ 0%,""'% &

" # $ !%!

& $ !%

8#%, 4,''" 0% &&

0' 9,'0 0""''%:

!"#$%&

0' 9,'0 0""''%:)!%&(*+ 4, ,,+ % 0%,!

%& 0'#%%4%,0 % 0%, %,% &

% 9 % 1 "&!&4 6#;+ 0'%),&,+;+ / /0 !+''/

5, % +''/2/' ! %

# ' 9/ +9#,!%! %" '0%, 0%, < -+%%/"'' %,! %

# '<%,!,' == 9 / /% % &>- , 0% 0

% %, 00/+, '9/ +9# " % & (.

!)/, ,/'/%! %,/," !0 !9, 9#/ / %, /4%%

./%%,! %

# ' 06# ;+< '%%'#9 %,%, 0%,! %

# '0'' %,/

'%"' / + 6

%, " <6# ;+ % %, " %4 , -+ ,0% % , "%' 0

% %!%& !'- & % &

0 %, 00

) % 2 /% /% " % & :

!)/,%,2 ' )%% ) 45 '&

& =,'/' "

%%+ 0 4!'#4, :

)!%&(*+4! /,% :2 65 ! 4! :), 9,!

! ,9

/,% '!"%% ) % 0%, %

(, ' %4 ?? , 0% 0

% %, %/% " % & :(.

!)/,: +

! 0%, 00/+, '%

" % &

!"#$%&45 '4 !"'/)!%&),.

%'0 0'%),&,+;+4! %, 0%, "

! " %& & % 4 " % & ,"" 00 %%"

#/0 !' 0%, '!"%% & & ! % 0 !& & =, " % 00 @ % ""

% % % ' + ""

% 0%, " %+ '!&

0% , / / !%4%, '!"%%

"%9# %

%'!= '45 ' , 0% 0

% %, = ' !"% 0-& 44

A' /%,% %B " ! % %, '!%"#9'9# " % & 6 %'#+ ''#& ?& =, '!%

!"#0'%// +9#%, %,#,+0'" %""'90 %,

%& & ,+, '

'0 %," %9/ / %,

/,%,

0 " # 0' 9#

!"#

'0 %,""''%

!"#,

%%,%%, 00/+, '&&== 9 / /% %

&>-4 %+ '+%,

%%,9 "'%!"'#% 9'%, '!%% /% !"% %,% +, '

%,%,""''%:

!"#<%,= '

0''

/0/%,% " % & (.

!)/, %, 0%,

%9#, ,/'/% +/ 0%, 00/ +, '&

0% , /'

'0 %,""''%/ / %,

/,%,

40%,%%, / !%+ 9#%,'

'0 %,

!"#' .! %&=,= '9#"

'# 0%,+

9#%," %90 %4, !% %,

%,%

%,0 %%."' % ,/'/% +/ 0 %, 00/ +, ' @ % 9# (.

! )/, :

" % & &D,' /%,0 4%,= ', '

" %,%%! # 02D )6#5 ! 4#% 0%,

%4 , , %/ ''#%%%,%%,!," 9#(.

!)/, : " % & ,' +/%, 00/+, '@ %

,4/'/% '! &>%%%,%%,! %

# ' 9/ +9#%, %! %"%, 00/ +, ' + ,/'/%! %, % 9 +/% 00

' !0 !9,%

.%,! %

# ' +9# !9,%, 0% %, + 0%, 00/+, ' # !%," %&=,= ',0

9 +%,%-@ % , 9' /9#2D )6#5 ! 49 0%, &%, , ,' /%,- / /%,

%EF&2& % 9'+%,%%! # 0%,%&

/ %,'# 0 #' // 0%,-4%, = ' , /,%'# 9 + %,% %,

% , %. "' &

%,+/%!-' / %,F%#%

1 &!&%,'# 06 % ,

4, ,,9 '#F"' 9#%,"%% & %0!#'0/ !%%,%,= '

%,% / &=,9 0%, ,+/,9 6

% 4,0 %"

%# ',+9% %.,!% , "%'

% /+ ,! !!% ! ' 4 %, %, '+/ ,!

%%%%," %/ /% %," ' %% % ' / "

%%, 0 %&

& ) % 0%, % (, ' %" 0'0 '/'% &% %9#%,2 '!%% "

+ '0% %, " 4, 00 6

%,! % +,

%'' % %,'/' "

%%+ 0%,+ %!4, 0 % %'#' %%,

,!,"&)% %

' 0+ "

% ""' 9'%, &*'#!#9 '+%,' /

!''9'%# 0"

/%,% '9 %, ,'6 %/ " '!

"%% %, % (, ' %4 ??4'# %9/+ !"

% &=, " % & : + ,9% "% 0 % '0

/%,

%9#, ,/'/% +/0 /% '& =,+ '

!% #

9#%, '!%,/

9 %%&-" % & :(.

!)/, + %"" %, %9 F% #%,%,, %,

%9#, , /'/% +/ 0%, 00/+, '&=, " % & , %,

' ,+ 0% % / "# 0, +/' EF&-

"# 0 /% % %0 % 0%, 00/+, 'EF&-

!%&=, 0 4% %9%,%%, 00/+, ' &&== 9 / &>- %+ '+%,

% %,9 "'% &

& / %, %% 0'

'0 %,""''% :

!"#%,%%,-%, %,! 0%, +

%#" 0%,+, '4, , %,

%!% 4, ,!. %, 0 '!% 9%0 '<,9/ ''# 9 +,-

/ /%,

%' /%,0 !% !%! %. 9 %%,%#" 0+, '+ '+%,

%%," , +/%&=,0 !%!# %9%,#% 0%, %&

& =,- % 9%%+" 0+ % '# "

" % %%,

!'! , #! % &- 0%' / ,

#%!# % %%,! %"

%' 0%, %& =,- 9/ % /% 9#" 4, !# %9#% 0%,

&% '#

/+%/% 0%, %,%" '

!% . 9 %%,

!'4, , !!%%%,

!&=, 0 4 !% / 0%#" 0+, '! 0(.

)/,% + 4, ,, %,

% %,'"%,

!"#+' "/% %,%%, 00/+, ', % %,

% "'% /'# 6 % % /% %,

!"% &

& / %,"'%. "9#'

'0 %,

!"#%,% + 0%, 00/+, ' %, '/ #+' 00 %+ +/' %%,%! 0

+ ' '.," !% % 0> #"

) % 0%, % (, ' %4,

' %,+ 9%' !/'< '#%,$ / %, %#4/', %0 % +, ,%,' % 9 + %% ! % 4

%,' 0%, + %! % , '9 +'%%,%! 0

> + 4%,= '% , %

"%%,"' 0%,""''%

!"# !#" % %#

% / %,%,= ' %,%" %&=, %,

!"#% , %,% " % & %" 0 '/'+' +/' %%, '+%%!9 %%,0'% &

?& =,"F

%)" '$+2%% &

%%'

%, %, )$24% 0 9/&

4, 9 +%,%

%%'% ''0 +'9' ) % 0 %, %4, + ! 9 40. +'' %%, '+%%! %%,0 +'9'%

/%%,

%, " % 9 % + %'9'%#% %,

' 4%,

,% "

+ %,

% 9 / '%# 0 /'/ 0'

% F

9' !"' 0 % 0" ' #&=,9

% %9',9 , 0" ' #9#'/ /%+ ! "

% 0' + 9#%,

, / 09

& =, 0 4%,""''%:

!"# %%.

? +%/ 0%,0 %% %#/'9'%# %, &

!/% %,@ % ! 0 !"% &

'0 %,""''%:

!"#,

%%,%%, .'''9

4, + 4, ! %. " * %4 , % , ' ,+ 9

0F9#$9

*" %!% %,!

!D/ %4, , & &> + 4%,= ',%.%,! %,'# ! 0 %, % 9 -&?4

A % ! 0 %, *"

%# !! G " %

% %%,2 69 3 + !%*'%% &

? A &3'%

, %,!F!

! % 0/0 .'''9

0 %,#

0F-&?4

A&=, 0 4%,= '% .0/

,& =, = ' % 90 '% / / ! 0 ,

!% #+ 0

, ! +'9' !,%% .',%.&=,= ',% %, ! 0!' '#"' % " ,+/!

% '

@ '0 % %,% 0%, &) !!

% 0/ . ""

F!% ' + '+&=.// 0 !%, "9# *&& %,9 0%

% 9#2 693 + !% 0F/' #0 .'''9

-&?4

A" ! %,4 %9 0 '%%,% %'#9 %% 9 ,/, & & % " %, 0 %, '!%4 %, ./

%%A),+- ''42/'4*% %5 '

/%%/-&

A" ! %,&= "

+%,%0 %4%,"%% ,

F!2D> -!4 % % 4, ,00+%EF&2DA, %%%,%,//"

+/%, + 0'9

00 %00% ),'' A- ''40 % 9 %% % , ,/ %"" % 6#

%%),+- ''4 5 ' ' # 0-&

A" ! %,& & =, = ' /'# /

, " 0 +

9#%, '!%0 %, %,%!"' # !"' #0 !

%, !'' %F!9#%, '!%& %,$9

% % %,

/,, !%, + 0%, ,9, , 9F!4%, %#0 F!/#!"' # 0%,

!'' # 0%!"' #&!#+%, ! 0%, , '9%.-&

A& & =, = ' , % # !

% % 0 %

" %&+ 0%, % 0 %, %#

!"#$%%"&$ '

."/ +%,/ 0%, 4 C 0%,!

%% 9% %

" %&* /%,%%,! %,'# ! 0%, %. -&

I-& 4?

A& & =, = ' , /,%'#

% A%, 0 %, !

% % " ' F"& * / %,% %, " # 0 '!%

! %% -& 4

" ! %,4 '" #

! %% -&

F I 4

=,= ', /,%'# !

'%"' 0

+ 0 % 0 %, %#

( ) * '"+$ %%"&$!! * / %,% %,

!"% "#9' ! %% -& 4

I 4

A& ?& J %, +% ',4%,= ', -&

'.,% "%% & :(*+0 ' 0 % !&-& '., ,% "%% & 9/! ,' 0 0 ' 0 / -& '.,% "

! " % &4, ! %, 0 % ' 0' +00 % % % %,%"%% 0

! 0-& 4

A% 0 '

9@ F"& & > + 4%,'/'" % %,% / ,9 ' 0 9@ % 6 /!% 9# %, "F

% && , -

% .

/"#$ %%"&$ +++4 , % 9 + %,% !

% 0 -&

A ,% 9 % + # '!%0 0'' % !

+ 06 /!%

$4, ,"

+%,%,' ./ %%,

!"% "#9' %, +% ' ,4 !'#4 ' 0 %%4' 0 % !0 'F"4!

% 0-& 4

A-& 4

A4 " %+'#, '9 & * /%,%%, !"% ! %% 9-& 4 4

& %, #4 %, , !

% ! % % -&

4 4

,9 0'9'%'#9#?# H

%,""''%A '!% '9 %%'% % %% % 0 &C" ! %,, !

% 0

!"% 0 !%,% 00'/""'%'' % '"#!%&=, %,

% ! % /+%, '0 ' ,''""'#% %,, !

%''& & =,

0'9#%,

!"#% !4, %,9 +! 0 % 4%,

0'9# %,""''%A '!%'' " %'#%, %& & )

'' " %'#%, %4%,! '' ""' % 40#4 %" 0

/'#&

$% 6 '()*()++),-./)01-2),34/5 )-1.

'()*()++)2.+*,67) )-1.